20 Best Instamojo Alternatives & Competitors in 2025

20 Best Instamojo Alternatives in 2025

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Last Updated on : 29 Apr, 2025

Instamojo Competitors

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Instamojo vs PayG

Instamojo vs Verifone

Instamojo vs Stripe

Instamojo vs Payflow

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Buyer's Guide for Instamojo Best Alternatives

Searching for Instamojo alternatives? We’ve compiled the list of top Payment Gateway with features & functionalities similar to Instamojo. There are a lot of alternatives to Instamojo that could be a perfect fit for your business needs. Compare Instamojo competitors in one click and make the right choice!

Instamojo is an online payment gateway specially designed for Indian businesses. It allows businesses to sell their products online and receive payments for the same. Being an 'on-demand’ payments platform, it allows businesses to collect online payments from their customers by sharing a link with them over WhatsApp, email, SMS, and other social channels.

Despite its many benefits, there are a few limitations to this software, which is why users are looking for Instamojo alternatives. Instamojo only processes payments in Indian Rupees. Also, there is no wallet support, and there is a hefty charge per transaction.

Why Are Businesses Looking for an Alternative to Instamojo?

There are several reasons why businesses are looking for Instamojo alternatives.

Only Indian Rupees are Processed: Instamojo only supports Indian Rupees and does not accept any other foreign currency. So, if your customers are residing out of India, you might have a problem at the time of transaction.
No Wallet Support: On Instamojo, there is no wallet support available unlike that of MobiKwik, Paytm, etc.
Accepting high-value payments is challenging: To accept any payments beyond INR10,000, users need to submit a scanned copy of their bank statement, PAN number, or cheque book.
High Fee Per Transaction: Instamojo charges quite a high fee for each transaction through its payment gateway. It charges 5%+ ?3 for every transaction in its free plan and 2%+ ?3 in its premium plan, which is high compared to its peers.

Must-Have Features in Any Software Similar to Instamojo

If you are looking for an Instamojo alternative, then you must look for some important features, like:

Alerts & Notifications: Instamojo alternatives must send alerts and notifications to you related to any transactions. Users should be able to set custom SMS/missed call alerts for incoming payments.
Invoices: Instamojo alternatives must help users easily create invoices and payment links to collect payments from customers.
Transaction Data Management: The software should help individuals manage their transactional details like date of transaction, time, amount, client name, and more for reference.
Multiple Payment Platform: Just like Instamojo, its alternatives should also provide multiple payment modes like debit card, credit card, net banking, UPI, & more to collect your payments.
Refunds & Resolution: Any payment gateway should offer a refund resolution option for your customers to keep them satisfied and build trust.
Request for Bulk Payment: An Instamojo substitute should let you request bulk payments from your customers by uploading a CSV file on the dashboard.
Payment App: Any good payment gateway must help with payment collection and tracking through a dedicated app.
API (Application Programming Interface) Integration: The alternative for Instamojo must allow you to leverage API integration to integrate a payment gateway into your already-existing web store.
Zero set-up fees: Just like Instamojo, the platform should not have any setup fee.

What to Consider When Looking for a Software Like Instamojo?

One must keep certain factors in mind while choosing software like Instamojo:

Your preferred software should offer you a customized website to manage your business online along with secure payment options.
Users should be able to share their payment links along with their product details with customers through social media like Facebook and WhatsApp.
A merchant dashboard where you can effortlessly track your sales, refunds, and payments is important.
It must let you create payment links and clickable payment buttons to share them with your customers and receive payment.
The software you are considering should support all types of browsers such as Chrome, Firefox, Safari, and others.
When you select any Instamojo like payment gateway, ensure that you can add payment buttons on your websites.
Just like Instamojo, it must use 128-bit encryption and must be compliant with RBI regulations.
Ensure that websites like Instamojo support transactions with multiple bank accounts.

What Types of Businesses are Looking for Alternatives of Instamojo?

Drawbacks like no-wallet support, restriction to Indian currency, and high per-transaction fee are a few reasons why users are looking for an alternative to Instamojo. Some of them include:

E-commerce Business: Ecommerce businesses looking to integrate the pay-later option on the website often opt for Instamojo alternatives. They also look for an option with support for wallets.
Entrepreneurs: Entrepreneurs seek Instamojo alternatives to expand their business on a global level and accept foreign currencies too. Apart from that, they look for a payment gateway with a low per-transaction fee.
Brands Selling High-Value Products: Brands dealing with high-end products are planning to switch to Instamojo alternatives. This is to accept payments beyond Rs.10000 without having to go through a long process of approval.

Author: Kalpana Arya

Instamojo Alternative FAQs

Q. What is the best Instamojo alternative for Mac?

A. The best alternative of Instamojo for Mac includes Dash, Cesium, Litecoin, and more.

Q. What are the best Instamojo Alternatives for Windows?

A. Cesium, Dash, Litecoin, etc. are some of the best apps like Instamojo for Windows.

Q. What is the best Instamojo Alternative for Linux?

A. Some of the Linux alternatives for Instamojo are Tipalti, Dash, Litecoin, CSG Forte, ePayPolicy, Cesium, etc.

Q. What is some other Payment Gateway like Instamojo?

A. Cashfree Payment Gateway, SecurionPay, FSS Payment Gateway, Forte Payment System, EBS Payment Gateway, Cayan, and others are some of the popular payment gateway applications like Instamojo.

Q. What is used instead of Instamojo?

A. Sellfy, Selz, CropUp, Gumroad, Litecoin, Sellbox, Taler, PayPal, Flattr, Stripe, RazorPay, etc. These are a few of the apps similar to Copy.ai which an individual can use instead of Instamojo.

Q. Is there something better than Instamojo?

A. Some of the Instamojo best alternatives include Instamojo's top competitors include Clip, SumUp, Yoco, Apple Wallet, Flattr, Stripe, Payoneer. etc.

Q. Is Instamojo free forever?

A. For every transaction, there is a nominal fee that is charged to you. The normal transaction fee at Instamojo is 5% of the amount + ? 3 per transaction.

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